still better than others, after adding the 3% rebate. thanks for sharing

Hello, I'll be in Europe next week include Norway. Anyone have any idea which card to use for better conversion rate in Europe especially Norway? I have Citibank platinum, maybank 2 cards and HSBC. Tia.

Maybank 2 Premier Visa Infinite
Trnx Date : 31Dec
Posting Date: 01Jan
Transaction Amount : SGD124.50
Amount Charged : RM388.11
Trnx Exchange Rate : 3.1173
Actual exchange rate on posting date : 3.05
Admin Fee : about 2.2%

Maybank Amex Reserve
Trnx Date : 31Dec
Posting Date : 01Jan
Transaction Amount : SGD39.90
Amount Charged : RM124.50
Trnx Exchange Rate : 3.1203
Admin Fee : about 2.3%




This post has been edited by Wongchoy: Jan 4 2016, 11:28 PM

Transaction Type	Public Bank
Transaction Date	03/01/2016
Posting Date	05/01/2016
Transaction amount	JPY28,000
Amount charged	RM1,039.62
rate	0.03712929
visa rate	0.036593
Difference	1.465%

last time i heard ppl said using cc overseas can get better rate comparing to exchange to cash... but it seems like using cash is still better unless got rebate

not really. if you refer to the post above yours, the rate is 37.12 which is better than the rate obtained from my local changer. so it depends on your changer rate as well.

And depends on which day it was spent on, too.

Most people are doing it for the cash rebate or the points.

Transaction Type	Aeon Watami
Transaction Date	19/01/2016
Posting Date	22/01/2016
Transaction amount	JPY11800
Amount charged	RM433.95
rate	0.03677
visa rate	0.037976 @ 19/01/2016 @ 0.0% foreign transaction fee
Difference	(0.03677 - 0.037976) / 0.037976 =-3.1%

is negative rate even possible

This post has been edited by kenjixx: Jan 22 2016, 10:51 AM

buying a product from an international personal seller.. he is charging me via CC....

which CC gives the best foreign exchange rate any1 knows? in USD.

is my first time buying something from overseas via CC so im not too sure how i will be charged. previous times would be via paypal? lol

This post has been edited by KenYoung: Jan 22 2016, 07:30 PM

so far from what i seen only some high end card and aeon watami has low rate for usd just deal with it if u only paying once

Is it the VISA currency calculator link below is what everyone using when calculate the exchange rate in this thread? The TS link on page 1 seem not working.

https://travel.visa.com/apcemea/my/en/trave...rency-converter

Between, the rate of visa seem higher even without bank charge. For example, the the ringgit have strengthen against SGD (around SGD1=RM3) but the visa is showing SGD1=3.05xxx/3.06xxx

nope. i am using this one:
https://usa.visa.com/support/consumer/trave...alculator.html/
but now seem got problem, cannot open the page properly

yes aeon got best exchange rate so far for me

Seem like keep loaded into blank page. Gonna try it tomorrow and see is there any different with the rate in my link.

Not sure whether this was asked before but does all Aeon card has the same conversion rate ? (visa to visa comparison)(aeon gold vs aeon watami vs aeon big). They are all under Aeon Credit right?

They are all under Aeon credit, logically should be the same but no one used the 3 cards on the same day for comparison before.

good to know u re using aeon.. lowest exchange rate based on my experience

Can someone update the first post?
I just checked thoroughly each bank I have the rate was changed

Amex Green Charge 2.50%

Maybank 2 Gold Amex 1.25%+1%

AmBank Platinum Master 1%
CIMB Cash Back Platinum Master 1%
Maybank 2 Gold Master 1.25%+1%
Maybank Ikhwan Gold Master 1.25%+1%

Citi Choice Visa 1%
Hong Leong Essential Gold Visa 1%
Hong Leong Platinum Visa 1%
HSBC Amanah Platinum Visa 1%
MachbyHongLeongBank Gold Visa 1%
UOB One Platinum Visa 1%


I found that Maybank is charging 1% conversion rate plus 1.25% extra fee, total up 2.25% for visa and master. amex is 2.5%.
Correct me if I'm wrong.

after called card center I found that their rates are not exactly same as their website.

Amex Green Charge 2.50%

Maybank 2 Gold Amex 2.5%

AmBank Platinum Master 2%
CIMB Cash Back Platinum Master 1%
Maybank 2 Gold Master 2.15%
Maybank Ikhwan Gold Master 2.15%

Citi Choice Visa 2.50%
Hong Leong Essential Gold Visa 1%
Hong Leong Platinum Visa 1%
HSBC Amanah Platinum Visa 1% (GST 6%)
MachbyHongLeongBank Gold Visa 1%
UOB One Platinum Visa 1%